Indian Overseas Bank (IOB), a leading Public Sector Bank under the Government of India with headquarters at 763, Anna Salai, Chennai – 600002, has released Advertisement No. HRDD/RECT/02/2026-27 dated 07 August 2026 inviting online applications for recruitment of 250 Local Bank Officers (LBO) in JMGS-I (Junior Management Grade Scale I) for four states – Tamil Nadu (100 posts, mandatory language: Tamil), Karnataka (50 posts, Kannada), Maharashtra (50 posts, Marathi), and Gujarat (50 posts, Gujarati). The online application window is open from 08 August 2026 to 24 August 2026 at the official IOB website www.iob.bank.in. The cut-off date for age and educational qualification eligibility is 01 August 2026. Candidates must be between 20 and 30 years of age as on 01 August 2026 and hold a Degree (Graduation) in any discipline from a recognised university. The pay scale is Rs. 48,480-2000/7-62,480-2340/2-67,160-2680/7-85,920 in JMGS-I plus DA, HRA, CCA and other allowances. Selection is through an Online Examination (140 questions, 200 marks, 3 hours) – Language Proficiency Test (where applicable) – Personal Interview, with a final weightage ratio of 80:20 between the Online Examination and the Interview. Selected candidates are posted within the applied state only for the first 12 years of service or until promotion to SMGS-IV, whichever is earlier.
Important Note: Three things every LBO 2026 applicant must check before 24 August 2026. First, you can apply for ONLY ONE STATE – a candidate applying for any one state is not eligible to apply for any other state under this notification; choose your state carefully based on your local language proficiency, since candidates who have not studied the state’s specified local language in Std. X or Std. XII must appear for and qualify a Language Proficiency Test (LPT) before the Personal Interview; failing the LPT means no further selection. Second, you must upload four documents while applying – photograph, signature, left thumb impression, and a handwritten declaration in English (not in capital letters) on white paper in black ink; the handwritten declaration text is prescribed in the notification; the application will not be registered without all four uploads in the correct format. Third, selected candidates must execute a Financial Service Indemnity Bond of Rs. 2,00,000 for a minimum 3-year service period – this is a contractual commitment at the time of joining; candidates must factor in this obligation and the state-specific posting rule before applying.
IOB Local Bank Officer Recruitment 2026-27 – Overview
| Particulars | Details |
|---|---|
| Organisation | Indian Overseas Bank (IOB) – A Government of India Undertaking |
| Headquarters | 763, Anna Salai, Chennai – 600002 |
| Advertisement No. | HRDD/RECT/02/2026-27 dated 07 August 2026 |
| Post Name | Local Bank Officer (LBO) |
| Grade/Scale | JMGS-I (Junior Management Grade Scale I / Scale I) |
| Total Vacancies | 250 |
| States Covered | Tamil Nadu, Karnataka, Maharashtra, Gujarat |
| Application Mode | Online only – iob.bank.in |
| Application Opens | 08 August 2026 |
| Last Date to Apply | 24 August 2026 |
| Cut-off Date (Age and Qualification) | 01 August 2026 |
| Age Limit | 20 to 30 years (as on 01 August 2026) |
| Educational Qualification | Graduation in any discipline |
| Pay Scale | Rs. 48,480-2000/7-62,480-2340/2-67,160-2680/7-85,920 |
| Selection Process | Online Exam (80%) + Language Proficiency Test (where applicable) + Personal Interview (20%) |
| Posting | Within the applied state only – for first 12 years or until promotion to SMGS-IV |
| Bond | Rs. 2,00,000 for minimum 3 years’ service |
| Probation | 2 years (active service) |
| Official Website | iob.bank.in |
| Online Application Portal | ibpsreg.ibps.in/iobjul26/ |
Important Dates
| Event | Date |
|---|---|
| Notification Date | 07 August 2026 |
| Online Application Opens | 08 August 2026 |
| Online Application Closes | 24 August 2026 |
| Application Fee Payment Window | 08 August 2026 to 24 August 2026 |
| Online Examination Date | To be announced at iob.bank.in |
| Language Proficiency Test | To be announced (for shortlisted candidates who did not study local language in Std. X/XII) |
| Personal Interview | To be announced at iob.bank.in |
Vacancy Details – State-wise and Category-wise
| S. No. | State | Mandatory Language | SC | ST | OBC | EWS | UR | Total | PwBD (VI) | PwBD (HI) | PwBD (OC) | PwBD (ID) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Tamil Nadu | Tamil | 15 | 6 | 33 | 9 | 37 | 100 | 1 | 1 | 1 | 1 |
| 2 | Karnataka | Kannada | 8 | 3 | 16 | 4 | 19 | 50 | 0 | 0 | 2 | 1 |
| 3 | Maharashtra | Marathi | 7 | 4 | 15 | 5 | 19 | 50 | 0 | 0 | 2 | 1 |
| 4 | Gujarat | Gujarati | 6 | 5 | 16 | 4 | 19 | 50 | 1 | 1 | 0 | 0 |
| Total | 36 | 18 | 80 | 22 | 94 | 250 | 2 | 2 | 5 | 3 |
Notes: Some state vacancies include backlog posts. The number of vacancies is provisional and may vary as per the Bank’s actual requirements. PwBD reservation is on a horizontal basis – selected PwBD candidates will be placed in their appropriate vertical category (SC/ST/OBC/EWS/UR). VI – Visually Impaired; HI – Hearing Impaired; OC – Orthopedically Challenged; ID – Intellectual Disability.
Eligibility to Apply
One State Only: Candidates must apply for the vacancy of only one state. A candidate who applies for one state is not eligible to apply for any other state under this notification. Merit lists will be drawn state-wise and category-wise.
Language Proficiency: Candidates must be proficient (reading, writing, and speaking) in the local language of the applied state – Tamil for Tamil Nadu, Kannada for Karnataka, Marathi for Maharashtra, and Gujarati for Gujarat. Candidates who have studied the specified local language in Std. X or Std. XII need not appear for the Language Proficiency Test (LPT). Candidates who have not studied the local language in Std. X or Std. XII must qualify the LPT before the Personal Interview; failing the LPT means no further consideration.
Educational Qualification
| Requirement | Details |
|---|---|
| Essential | A Degree (Graduation) in any discipline from a university recognised by the Government of India, or an equivalent qualification recognised as such by the Central Government |
| Possession of Degree | Candidates must have a valid mark-sheet/degree certificate confirming graduation as on the day of online registration (01 August 2026) |
| Percentage | Percentage of marks obtained in graduation must be indicated in the online application form |
Age Limit (as on 01 August 2026)
| Category | Age Limit |
|---|---|
| Minimum Age (all categories) | 20 years |
| Maximum Age (General/EWS) | 30 years |
| Date of birth not later than | 01 August 2006 |
| Date of birth not earlier than | 02 August 1996 |
Age Relaxation
| Category | Relaxation |
|---|---|
| SC/ST | 5 years |
| OBC (Non-Creamy Layer) | 3 years |
| Persons with Benchmark Disabilities (PwBD) | 10 years |
| Persons affected by 1984 riots | 5 years |
| Ex-servicemen/Commissioned Officers (minimum 5 years military service) | 5 years |
Maximum age limit applies to General and EWS candidates. Cumulative age relaxation (across more than one eligible category) is available for SC/ST/OBC candidates subject to a maximum upper age limit of 50 years. There is no reservation for Ex-servicemen in Officers’ cadre – only age relaxation is applicable.
Pay Scale and Benefits
| Component | Details |
|---|---|
| Scale/Grade | JMGS-I (Scale I) – Assistant Manager |
| Basic Pay Scale | Rs. 48,480-2000/7-62,480-2340/2-67,160-2680/7-85,920 |
| Additional Allowances | DA, HRA, CCA and other allowances as per Bank rules in force from time to time |
| Advance Increment | One advance increment per prior completed year of service as Officer in a Scheduled Commercial Bank (maximum 2 increments), subject to job profile matching Scale-I Generalist Officer profile – certified by existing/previous employer |
| Probation | 2 years (active service) from date of joining |
| Bond | Rs. 2,00,000 Financial Service Indemnity Bond for minimum 3 years’ service |
Note: Candidates working with subsidiaries of Scheduled Commercial Banks are eligible for only one advance increment. Prior experience will not be considered for service seniority.
Application Fee
| Category | Fee (inclusive of GST) |
|---|---|
| SC/ST/PwBD | Rs. 175 (intimation charges only) |
| General/EWS/OBC | Rs. 850 |
Fee is payable online through Debit Card/Credit Card/Internet Banking/BHIM/UPI. Fee once paid is non-refundable and cannot be adjusted against any other recruitment process.
Selection Process
| Stage | Details | Counts for Final Merit? |
|---|---|---|
| Online Examination | 140 objective questions, 200 marks, 3 hours – 4 sections | 80% weightage |
| Language Proficiency Test (LPT) | For candidates who have not studied local language in Std. X/XII – qualifying only | Qualifying – must pass to proceed |
| Personal Interview | 100 marks | 20% weightage |
Online Examination Pattern
| Section | Questions | Marks | Medium | Duration |
|---|---|---|---|---|
| Reasoning and Computer Aptitude | 30 | 60 | English and Hindi | 60 minutes |
| General/Economy/Banking Awareness | 40 | 40 | English and Hindi | 30 minutes |
| Data Analysis and Interpretation | 30 | 60 | English and Hindi | 60 minutes |
| English Knowledge | 40 | 40 | English only | 30 minutes |
| Total | 140 | 200 | 3 hours |
Negative Marking
| Answer Type | Marks |
|---|---|
| Correct Answer | Full marks for that question |
| Wrong Answer | -0.25 marks (1/4th of marks allotted to the question) |
| Unattempted Question | 0 (no deduction) |
- No sectional cut-off in the online examination.
- Minimum qualifying aggregate: 30% for reserved category candidates; 35% for unreserved (General/EWS) candidates.
Language Proficiency Test (LPT)
Candidates shortlisted for Personal Interview who have NOT studied the applied state’s local language in Std. X or Std. XII must qualify the LPT. Failing the LPT disqualifies the candidate from the Personal Interview and all further stages.
Personal Interview
- Carries 100 marks.
- Minimum qualifying marks: 45% for reserved category candidates; 50% for unreserved candidates.
Final Selection Formula
- Final Score = Online Exam marks (80%) + Personal Interview marks (20%).
- Minimum aggregate score: 30% for reserved categories; 35% for unreserved candidates.
- Merit list drawn state-wise and category-wise from top-ranked candidates.
Documents to Upload at Time of Online Application
| Document | Format | Size |
|---|---|---|
| Photograph (passport style, colour, white background) | JPG/JPEG | 20 KB – 50 KB (200×230 pixels preferred) |
| Signature (black ink on white paper, NOT in capital letters) | JPG/JPEG | 10 KB – 20 KB (140×60 pixels preferred) |
| Left Thumb Impression (black or blue ink on white paper) | JPG/JPEG | 20 KB – 50 KB (240×240 pixels at 200 DPI preferred) |
| Handwritten Declaration (in English, black ink, NOT in capital letters) | JPG/JPEG | 50 KB – 100 KB (800×400 pixels at 200 DPI preferred) |
Handwritten Declaration text: “I, __________ (Name of the candidate), hereby declare that all the information submitted by me in the application form is correct, true and valid. I will present the supporting documents as and when required.”
The application will NOT be registered unless all four uploads are completed as specified.
Examination Centres (Tentative)
Centres are available across all states including:
- Tamil Nadu: Chennai, Madurai, Tirunelveli, Salem, Coimbatore, Tiruchirappalli, Vellore, Namakkal, Erode, Tirupur, Virudhunagar, Kanyakumari/Nagercoil, Thanjavur, Cuddalore
- Karnataka: Bengaluru, Hubli-Dharwad, Mysuru
- Maharashtra: Mumbai/Thane/Navi Mumbai/MMR, Pune, Nagpur, Chhatrapati Sambhaji Nagar, Amaravati, Latur, Nanded, Jalgaon, Nashik, Kolhapur, Solapur, Ratnagiri
- Gujarat: Ahmedabad/Gandhinagar, Anand/Vadodara, Surat, Mehsana, Bhavnagar, Rajkot
- And many other centres across India
No request for change of examination centre will be entertained. The Bank reserves the right to add, delete, or reassign centres.
How to Apply for IOB Local Bank Officer Recruitment 2026-27
- Visit the official IOB website – Click Here – and open the “Careers” page.
- Read the complete official notification (Advt. No. HRDD/RECT/02/2026-27) thoroughly before applying.
- Click on “Recruitment of Local Bank Officers – 2026-27” and select the post to apply.
- Click “Click here to Register Online” to complete first-time registration.
- Note the system-generated Registration Number and Password sent by email and SMS.
- Log in and upload all four required documents – photograph, signature, left thumb impression, and handwritten declaration – in the prescribed format and size.
- Fill in all personal, educational, and contact details in the online application form. Enter your name exactly as in your certificates.
- Select your preferred examination centre state.
- Pay the applicable fee online (Rs. 850 for General/EWS/OBC; Rs. 175 for SC/ST/PwBD).
- Click “Complete Registration” and take a printout of the submitted online application form and the fee e-receipt for future reference.
Apply at – Click Here
Important Instructions
- Apply for ONE STATE ONLY – no change of state or category is permitted after submission.
- If multiple applications are submitted for the same state, only the last submitted application will be considered.
- Applications once submitted cannot be withdrawn and fee once paid is non-refundable.
- Candidates must produce language proficiency proof (Std. X/XII certificate with local language as a subject) at the Personal Interview to be exempted from the LPT.
- Government/PSU employees must produce a No Objection Certificate (NOC) from their employer at the time of Personal Interview.
- Ration Card and Learner’s Driving Licence are NOT accepted as valid photo ID for the examination.
- OBC candidates must ensure their caste certificate contains the Non-Creamy Layer (NCL) clause in Central Government format and is valid (issued within one year prior to the date of Personal Interview).
- PwBD candidates with temporary disability (certified as “likely to improve”) are not eligible for PwBD reservation as per Government of India Office Memorandum dated 17 December 2025.
- Selected candidates will be posted within the applied state for the first 12 years or until promotion to SMGS-IV.
- Selected candidates must execute a Financial Service Indemnity Bond of Rs. 2,00,000 for rendering minimum 3 years’ service.
- SC/ST/PwBD outstation candidates attending the Personal Interview will be reimbursed to-and-fro second-class ordinary train fare on production of travel evidence.
- All further announcements will be published only on www.iob.bank.in.
- Any dispute arising from this advertisement is subject to the jurisdiction of courts at Chennai only.
Important Links
| Description | Link |
|---|---|
| Official Notification PDF (Advt. No. HRDD/RECT/02/2026-27) | Click Here |
| Apply Online – IOB LBO 2026-27 | Click Here |
| IOB Official Website – Careers Section | Click Here |
IOB Local Bank Officer Recruitment 2026-27 – FAQs
Q1. What is IOB Local Bank Officer Recruitment 2026-27?
✅ It is a recruitment drive by Indian Overseas Bank (IOB), a Government of India undertaking, under Advertisement No. HRDD/RECT/02/2026-27 dated 07 August 2026, for 250 posts of Local Bank Officer (LBO) in JMGS-I (Scale I) across Tamil Nadu (100 – Tamil), Karnataka (50 – Kannada), Maharashtra (50 – Marathi), and Gujarat (50 – Gujarati). Online applications are open from 08 to 24 August 2026 at iob.bank.in.
Q2. What is the last date to apply for IOB LBO Recruitment 2026-27?
✅ The last date to apply online and pay the fee is 24 August 2026. The application portal opened on 08 August 2026 at ibpsreg.ibps.in/iobjul26/ through the IOB website iob.bank.in.
Q3. Can I apply for more than one state in IOB LBO Recruitment 2026-27?
✅ No. Candidates must apply for only one state. A candidate who applies for one state is not eligible to apply for any other state under this notification. If you submit multiple applications for the same state, only the last submitted application will be considered.
Q4. What is the educational qualification required for IOB LBO?
✅ A Degree (Graduation) in any discipline from a university recognised by the Government of India or an equivalent qualification recognised by the Central Government. Candidates must hold a valid mark-sheet/degree certificate confirming graduation as on 01 August 2026 (the cut-off date).
Q5. What is the age limit for IOB LBO Recruitment 2026-27?
✅ The age limit is 20 to 30 years as on 01 August 2026 (date of birth between 02 August 1996 and 01 August 2006 inclusive). Age relaxation: SC/ST – 5 years; OBC – 3 years; PwBD – 10 years; Ex-servicemen – 5 years; Persons affected by 1984 riots – 5 years.
Q6. What is the application fee for IOB LBO Recruitment 2026-27?
✅ Rs. 850 (inclusive of GST) for General, EWS, and OBC candidates. Rs. 175 (inclusive of GST – intimation charges only) for SC, ST, and PwBD candidates. Fee is payable online (Debit Card/Credit Card/Internet Banking/BHIM/UPI) and is non-refundable under any circumstances.
Q7. What is the selection process for IOB LBO 2026-27?
✅ Three stages – Online Examination (140 questions, 200 marks, 3 hours, with -0.25 negative marking) followed by Language Proficiency Test (for candidates who did not study the local language in Std. X/XII – qualifying only) and Personal Interview (100 marks). Final merit is based on Online Exam (80%) + Interview (20%). Minimum qualifying aggregate is 30% for reserved and 35% for unreserved candidates.
Q8. What is the Language Proficiency Test (LPT) in IOB LBO?
✅ The LPT tests proficiency (reading, writing, and speaking) in the applied state’s specified local language. It is required only for candidates who have not studied the local language in Std. X or Std. XII. Candidates who produce a Std. X/XII certificate showing the local language as a subject are exempted. Failing the LPT disqualifies the candidate from the Personal Interview and all further stages.
Q9. What is the pay scale for IOB Local Bank Officer?
✅ The post carries a basic pay scale of Rs. 48,480-2000/7-62,480-2340/2-67,160-2680/7-85,920 in JMGS-I (Scale I/Assistant Manager), plus DA, HRA, CCA and other allowances as per Bank rules. Officers with prior completed years of service as Scale-I Officer in a Scheduled Commercial Bank may get up to two advance increments subject to job profile match.
Q10. Where will IOB LBO candidates be posted after selection?
✅ Selected candidates will be posted within the state for which they applied only, for the first 12 years of their service or until promotion to SMGS-IV Grade, whichever is earlier. There is no option to request posting in a specific city or district within the state. Selected candidates must also execute a Financial Service Indemnity Bond of Rs. 2,00,000 for rendering a minimum of 3 years’ service.
Disclaimer
The information above is compiled from the official IOB Local Bank Officer Recruitment 2026-27 notification (Advertisement No. HRDD/RECT/02/2026-27 dated 07 August 2026), issued by the General Manager – HR, Indian Overseas Bank (IOB), Central Office, 763, Anna Salai, Chennai – 600002 (A Government of India Undertaking), as available on the official IOB website iob.bank.in. The vacancy count of 250 is provisional and may vary as per the Bank’s actual requirements. Candidates must download and read the complete official notification from iob.bank.in before applying. All links above lead only to the official IOB website and the official application portal.
